At the risk of sounding "green", which I am, I just wanted to ask a couple of questions. I am sure they have all been addressed before a zillion times, but... here goes. OK... I sent out my first round of validation letters, got all the green cards back. Now, after 30 days, if no response, I send out the estoppel letters. Then if they still do not respond, do I send copies of all my correspondence to the CRA? Then what will the CRA's do? Concerning validation - they MUST have something with my signature on it, consenting to the debt, right? Is this the only way they can validate? Also, I am open to any suggestions, tips, whatever... anything that you have learned from your experience disputing that could help me... please share! Thanks.
30 days after the estoppel you send copies of everything along with a letter to the cra's asking them to delete the account as the ca could not prove it is yours. The cra will either delete it or do another investigation, but they will most likely hold the ca to a tighter standard. If the ca can't prove it to them, they will delete it. I don't think in this case the cra will accept the usual "oh yes, it is definitely theirs." They must have proof it is yours. A simple printout of services rendered will not suffice. A signature will.
LKH, also at the risk of sounding green, which I most certainly am, I'd also like to ask a couple of questions. Should we send dispute/validation letters to the Credit reporting agency or the collection agency. I am learning but still a little fuzzy on some of the finer points. I was under the impression that I should dispute with the reporting agency and let them verify with the collection agency.
You dispute with cra. They will in turn request verification from the creditor/collector. You send validations to the collector. In theory, the collector is supposed to be able to prove with documentation, that what they are reporting and trying to collect is accurate. That is why you send the validation, to make them prove what they say is correct.
